Unaccountable atm withdrawal?

Question

I used my nternational debit card in US at an ATM in Jan 2015. but the ATM did not allow the transaction and I did not get any money. i returned to India in Feb 2015. On March 2015 i got a message that the money from an atm in US has been withdrawn from my card. I must state that i was in India and this was a 2 months old declined transaction. I have filed a complaint in  but to no avail. they are not able to track the money neither do they have any explanation for this. I can prove that I was in India when the transaction from my account is shown to have taken place in US.

Answer 1

Dear Ruchi

At the outset, let me clarify that this site is designed by a group of Senior Banking Professionals to assist Bank Customers at large to provide guidance for resolution of any complain/query/grievance in respect of financial services. This site does not belong to any Bank or a regulator, which may please be noted.

Give a written complaint to your home branch, explaining your contention / stand under acknowledgement.  If proper response to your satisfaction is not received, you may further take it up with the Bank's senior management / banking ombudsman.  The process is given here under.

1.    Go to your Bank’s website and search for grievance redressal (or similar name) button and submit your complaint online.

2.    If you do not receive any reply / satisfactory reply within 10 days, lodge your complaint with the Nodal officer of the Bank (either through email or letter)

3.    If you do not receive any reply / satisfactory reply within 10 days from the Nodal officer, lodge your complaint with the Principal Nodal officer of the Bank (either through email or letter)

4.     If you are still not satisfied with the reply / do not receive reply from the Principal Nodal officer within 10 days, lodge your complaint with the Banking Ombudsman (either through letter or email)

RAJA